想到今年的经济未知，_老虎社区_美港股上老虎

想到今年的经济未知，决定合理规划自己的理财与负债比例。债务本身并不是坏事，它可以用于投资和应急，但若管理不当，过多的债务会影响个人的财务健康和生活质量，导致经济压力增大、信用受损等，甚至可能影响到个人的心理状态和家庭关系。

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